What is credit repair?

At Frontline Credit Fixers, we believe that everyone deserves a second chance at financial success. Credit repair is the process of improving your credit score by identifying and addressing errors, outdated information, and negative marks on your credit report. Having a strong credit score is essential for securing loans, purchasing a home, or even getting better interest rates on financial products.

Credit repair is the process of identifying and addressing any unfair, inaccurate, or unverified negative items hurting your credit, including collections, late payments, charge-offs, and more.

Credit repair involves a series of steps to ensure that your credit report accurately reflects your financial history. Our process includes:

1. Credit Report Analysis: We obtain and review your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) to identify any inaccuracies or questionable items.

2. Disputing Errors: We challenge inaccurate or unfair negative marks, such as incorrect late payments, duplicate accounts, or outdated information that may be dragging down your score.

3. Negotiating with Creditors: Our team works with creditors and collection agencies to resolve outstanding debts and, in some cases, remove negative items through goodwill adjustments or settlements.

4. Providing Credit-Building Strategies: In addition to correcting errors, we guide you on best practices for maintaining a healthy credit score, such as paying bills on time, managing credit utilization, and diversifying credit accounts.

A better credit score opens the door to financial opportunities. With improved credit, you can:

• Qualify for better loan terms and interest rates
• Secure approvals for credit cards, mortgages, and car loans
• Reduce financial stress by gaining control of your credit profile
• Improve employment and rental opportunities, as many employers and landlords check credit reports

Your financial future starts with a solid credit profile. Let Frontline Credit Fixers help you take control of your credit and unlock new opportunities. Contact us today for a free consultation and take the first step toward a brighter financial future!

Several factors affect your credit score, and understanding them can help you improve and maintain a healthy financial profile. Here are the five main factors that impact your credit score:

• This is the most significant factor.
• Late payments, missed payments, defaults, and bankruptcies can lower your score.
• Consistently paying bills on time boosts your score.

• The percentage of your available credit that you’re using.
• A high credit utilization ratio (above 30%) can negatively impact your score.
• Keeping credit card balances low helps maintain a strong score.

• The longer your accounts have been open, the better.
• Lenders prefer borrowers with a long history of responsible credit use.
• Closing old accounts can shorten your history and impact your score.

• Having a mix of credit accounts (credit cards, mortgages, auto loans, personal loans) can improve your score.
• A diverse credit portfolio shows lenders you can manage different types of debt responsibly.

• Applying for too many new credit accounts in a short period can lower your score.
• Hard inquiries (when lenders check your credit for a loan or credit card application) can stay on your report for up to two years.
• Soft inquiries (like checking your own credit) don’t affect your score.

• Charge-offs & Collections – Unpaid debts that get sent to collections can hurt your score.
• Public Records – Bankruptcies, liens, and foreclosures negatively impact your score.
• Errors on Your Credit Report – Mistakes or fraudulent accounts can damage your credit if not disputed.

How to Improve Your Credit Score:

✅ Pay bills on time
✅ Keep credit utilization below 30%
✅ Avoid opening too many new accounts at once
✅ Check your credit report for errors regularly
✅ Maintain long-standing credit accounts